Just a little tidbit update....
One of my best friends was my insurance agent - he has been for years... but he retired in June. I have another buddy that I've been waiting to switch to - he also handled Safeco etc. So since I was adding a new car (bought Sunday) and I'm going to pick up the truck this Thursday - I figured it was a good point to make the call.
There's a few cars involved - and the house - and an umbrella policy etc. Super easy I'm thinking... Make a call - get 'er all switched out. Fax over the deck sheets on the two new 'autos' and they'd just be added to the policies already in place.
BUT -- there's "the rig".... He calls and says he can't find anyone to "take it". Really?? WTF? With all the insurance I'm carrying with Safeco?
Well -- seems it's not "commercial" -- it's not an RV -- It's a big truck but not used as a big truck -- it's expensive -- and blah blah blah. So I asked about boosting the deductible... I don't care if it's 10 grand - WTF - make it 20 grand! And the POS won't be worth HALF the minute I take title and drive off - so lower the "cost".... BINGO! Progressive took it -- 5K deductible - and at a third off the MSRP for the value. I can live with that. The premium? $5600 a year payable in full up front. He had the company on one phone - and calling me on the other - I gave him the Visa number for payment and we be done!
Thus a learning curve (sometimes I'm naive). I figured (wrongly) that the rig would have the same 30 day "automatic" coverage that a new car gets on your auto policy... <buzzer sound!> And I was really thinking that I wouldn't make the call to do the switch until AFTER this road trip! Wow would that have been a mistake! I'd have been out there tripping around with no coverage at all!
I'm flying an old buddy down - he makes me look like a spring chicken - and hasn't ever been around much - so this will be fun. He's a hot rodder... and we'll make all kinds of tracks truckin' around doing various car "things"... on a winding, multi state, road home.